On-Line Banking Agreement and Bill Payment Terms and Conditions

This Agreement outlines the terms and conditions governing the On-Line Banking and Bill Payment Services of Buffalo Grove Bank & Trust (the "bank"), offered via the Internet. As a customer of the Bank ("you") agree to abide by the terms and conditions of this agreement. This agreement is governed by the federal rules and regulations and by the laws of the State of Illinois. The Bank's business days are Monday through Friday, excluding Saturday, Sunday and federal banking holidays. The Account Agreement and Disclosure you received when you opened your account governs all accounts.

Services Available. Using Buffalo Grove Bank & Trust's On-Line Banking you may access your personal or small business accounts from your home or office using your personal computer 24 hours a day at http://www.buffalogrovebank.com. The services available are:

• View account balances,
• View transaction history for current and prior period on deposit accounts,
• View transaction history on loan accounts,
• Search for transactions by check number, specific date or dollar amount,
• Open new accounts,
• Transfer funds between accounts,
• Schedule future or recurring transfers,
• View interest paid year to date and prior year,
• Communicate with the Bank using secure E-Mail,
• Set up Email Alerts (based on your criteria to advise of balance changes or completed transactions),
• Download activity to personal financial management software,
• Maintain your user ID and password,
• Other services added from time to time.

New Services. Buffalo Grove Bank & Trust may, from time to time, introduce new On-Line Services. You will be notified of the existence of the new services. By using these services when they become available, you agree to be bound by the rules contained in the On-Line Banking Agreement.

Password and Security. You will be allowed to select a user id and initial password (PIN) to access your accounts. It is recommended that you change your password every 60 days.

You agree that use of your password constitutes your authorization for all transactions made using your password. You agree to be responsible for the safekeeping of your password and agree to take reasonable precautions from your password being made available to unauthorized individuals. If you believe that your password PIN or computer has been lost or stolen, or that someone may access your account without your consent, or that someone has transferred funds without your permission, you agree to notify the Bank immediately.

Bill Payment. "Account" refers to the account you designate for Bill Payment usage and applicable service fees, if any.

1. You authorize Buffalo Grove Bank & Trust or its authorized agent to make payment to creditors for you, as may be authorized by you via Personal Computer from time to time. Payments may be scheduled up to 364 days in the future or regularly occurring as follows: weekly, twice a month or monthly. You will be able to review, modify, and cancel scheduled future or recurring payments. You authorize the Bank to post such payments to your account and agree to maintain sufficient balances in the account to cover such payments as are authorized. It is also understood that the Bank or its authorized agent will not be responsible for any loss or penalty that may be incurred due to lack of sufficient funds or other conditions that may prevent withdrawal of funds from your account.
2. It is understood that the Bank or its authorized agent will use reasonable efforts to ensure payments reach creditors on time but cannot guarantee the time a payment will be posted by a creditor. The Bank or its authorized agent will use reasonable effort in ensuring creditors reverse any service fee or late charge that is related to payment process error.
3. You agree to provide correct information using this bill payment service such as payee name, address, account information and payment amount.
4. You agree to initiate payment instructions at least five (5) business days prior to the Payee's due date for check processing and three (3) business days prior to the due date for electronic payments. Late fees for payments not initiated within these timelines will not be reimbursed.
5. An individual payment to a payee is capped at $9,999.00. This cap may be adjusted from time to time.
6. This service may not be used to make payments for alimony, child support, court directed payments or tax payments.
7. You agree to notify the Bank no later than 60 days after you receive the FIRST statement on which a problem or error occurred.

Bill Payment Services Customer Support 877-243-7361. Support is provided 24 hours, seven days a week

Bill Payment Fees. There are no additional fees associated with use of bill payment via online.

Your Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your password PIN has been lost, stolen or used without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss, misuse or theft of your password PIN, you can lose no more than $50 if someone used your password PIN without your permission.

If you do NOT tell us within two business days after you learn of the loss, misuse or theft of your password PIN, and we can prove we could have stopped someone from using or accessing your Accounts without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Access, Transfer and Payment Limitations. You will be denied access to On-Line Banking if you do not use a valid user ID number and password (PIN). Access will also be denied if you exceed the number of invalid attempts allowed by us. Transfers and payments are limited to the amount of available funds in your account and any associated overdraft line of credit. Funds availability is subject to the funds availability schedule. The number of transfers from a money market or savings account may be limited as described in the account agreement and disclosure as scheduled from time to time.

Contact. If you believe you have had an unauthorized transaction or transfer on any of your Accounts or you believe your PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:

847-418-2800

Buffalo Grove Bank & Trust
Attn: Customer Service
1100 Waukegan Rd.
Northbrook, IL 60062

Business Days. For purposes of these disclosures, our business days are Monday through Friday. Holidays are not included.

Documentation. You may view your current or prior period activity using On-Line Banking. If your account is a traditional, economy, NOW or money market account, you will receive a monthly statement. If your account is a statement savings account, you will receive a monthly statement unless there are no transfers in a particular month. In any case you will get the statement at least quarterly. If you bring your passbook to us, we will record any electronic deposits that were made to your account since the last time you brought in your passbook.

Right to Stop Payment Preauthorized Payments. If you have authorized regular payments to be made from your bill payment account using On-Line Banking Bill Payment, you can stop or modify any scheduled payment. You may delete, reschedule or modify the amount of any payment using the bill payment feature prior to 11:00 PM Central Standard Time on the business day preceding the Payment Date. Instructions to stop a payment on or after the Payment Date will only be accepted for check payments and must be given to us by phone or in writing. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. Stop payment requests will not be accepted for electronic bill payments. We will charge you for each stop payment you give according to our current Schedule of Fees.

If you order us to stop one of these payments, three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Confidentiality. We will disclose information to third parties about your account or the transactions/ transfers you make:

1. Where it is necessary for completing transactions/ transfers, or
2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or
3. In order to comply with government agency or court orders, or
4. If you give us your written permission.
5. If we close your account because it has been maintained in an unsatisfactory manner.

Bank's Liability. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

1. If through no fault of ours, you do not have enough available funds in your account to make the transfer or bill payment, or your account is closed.
2. If your computer malfunctions or On-Line Banking was not available and such a problem should have been apparent to you when you attempted to do such a transaction.
3. If the transfer would cause the balance to go over the credit limit on your overdraft line related to your account.
4. If you utilize the wrong security code or you have not followed the prescribed user instructions for making transfers or bill payment transactions.
5. If a legal order directs us to prohibit withdrawals from the account.
6. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
7. If you do not authorize a bill payment in the minimum amount of time for your payment to be made and properly credited by the payee by the time it is due.
8. If you, or anyone you permit, commits any fraud or violates any law or regulation related to your online account.
9. If the error was caused by a system outside the Bank's control, such as your Internet Service Provider.
10. There may be other exceptions stated in our agreement with you and may be implemented from time to time.

In Case of Errors or Questions. Telephone us at or write us at the phone number and address shown in the "Contact" section of this Agreement, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction/transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Termination of Services. You may cancel your use of On-Line Banking and Bill Payment at any time by notifying the Bank in writing at the address listed in the "Contact" section of this agreement. Your service will be terminated upon receipt of your written notification. It is recommended that you delete all payment relationships that have been set up. This will terminate your access to On-line Banking but will not terminate your accounts with the Bank. Your account will be charged for any applicable fees during the month in which you cancelled on the 6th Business day the following month. The bank may cancel this agreement and terminate your access to On-Line Banking for any reason, at any time. We will try to notify you in advance, but we are not obliged to do so.